Best Auto Insurance for Papa John’s Pizza Delivery Drivers in 2025 (Top 10 Companies)

The best auto insurance for Papa John’s pizza delivery drivers includes Progressive, State Farm, and American Family, with rates starting at $64/month from American Family.

Progressive offers customizable policies for delivery drivers, and State Farm provides strong customer service and discounts. Check out this Claim-Free Discount: How Much Can You Save? guide for added information.

Our Top 10 Company Picks: Best Auto Insurance for Papa John's Pizza Delivery Drivers

At the same time, American Family specializes in coverage for high-risk drivers. These companies are known for balancing affordability with reliable coverage tailored to delivery needs.

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#1 – Progressive: Overall Top Pick

Pros

• Affordable Rates: Progressive keeps things affordable, with rates starting at just $64 for Papa John’s Pizza Delivery Drivers with basic coverage.
• Strong Coverage Options: They offer solid coverage that fits many delivery drivers, giving you peace of mind while on the road.
• Customizable Plans: You can adjust your plan to fit your needs, which is perfect for Papa John’s drivers who want coverage that works best for them.

Cons

• Limited Discounts: While the rates are affordable, Progressive offers fewer discounts than other companies, so you might not save as much.
• Claims Process: Some drivers have said that Progressive’s claims process can be slower than other providers. Want to know more? Click our guide, “Progressive Auto Insurance Review.”

#2 – State Farm: Best for Delivery-Driver Options

Pros

• Tailored for Delivery Drivers: State Farm has great options made just for delivery drivers, like roadside assistance and accident forgiveness.
• Affordable Premiums: You can get minimum coverage starting at just $60, which gives a good mix of coverage without breaking the bank for Papa John’s drivers.
• Lots of Local Support: With so many agents, They offer personalized service and support close to home for delivery drivers. Want more info? Just click here, “State Farm Insurance Review.”

Cons

• Rising Costs for Coverage: While minimum coverage is affordable, full coverage might be a bit more expensive, which could be too much for some drivers.
• Fewer Discounts Without Bundling: If you don’t bundle with other policies, you may not get as many discounts as with some other companies.

#3 – American Family: Best for KnowYourDrive Program

Pros

• Safe Driving Rewards: American Family’s KnowYourDrive program gives discounts for safe driving, which is excellent for Papa John’s drivers who are careful on the road.
• Affordable Rates: With minimum coverage starting at just $60, American Family offers good prices for delivery drivers. Find out more in our guide, “American Family Auto Insurance Review.”
• Helpful Customer Support: The American Family is known for having great customer service, so you’ll always have someone to help if needed.

Cons

• Not Available Everywhere: American Family might not be available in all states, which could be an issue for some drivers.
• Extra Costs for Full Coverage: Adding extra coverage can make the policy more expensive if you want more protection.

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#4 – Nationwide: Best for Multi-Vehicle Households

Pros

• Multi-Vehicle Household Savings: Nationwide minimum coverage starts at $61/month, and if you have more than one car, you can get discounts, which is great for drivers with multiple vehicles.
• Lots of Coverage Options: They offer a wide range of coverage to keep delivery drivers safe on the road, no matter what happens. Check our guide, “Nationwide Insurance Review,” for more.
• Top-Notch Customer Service: Nationwide is known for great customer service, so it’s easy for Papa John’s drivers to get help when something goes wrong.

Cons

• Fewer Savings for Drivers: If you only have one vehicle, you might not get as many discounts as drivers with multiple cars.
• Higher Deductibles: Sometimes, Nationwide may require you to pay a higher deductible if you go for full coverage.

#5 – Geico: Best for Low-Cost Insurance

Pros

• Affordable Rates: Geico is great for saving money, with rates starting at just $59 for minimum coverage. It’s one of the cheapest options for Papa John’s drivers.
• Easy to Use: Geico makes things simple with easy-to-use online tools. You can manage your policy and file claims without any stress. Learn the details in our guide, “Geico Insurance Review.”
• Great Customer Service: Geico has great customer service reviews, so you can expect fast and helpful support whenever you need it.

Cons

• Limited Delivery-Specific Coverage: While cheap, Geico doesn’t offer as many options specifically designed for delivery drivers as other companies do.
• Basic Plans: Basic coverage might not include all the extra protections you want, so you may need to pay extra for more coverage.

#6 – Erie: Best for Full Coverage

Pros

• Great Full Coverage Options: Erie offers solid full coverage, which is perfect for Papa John’s drivers who want extra protection against accidents and damages on the road.
• Affordable Prices and Rates: With minimum coverage starting at just $55, Erie is one of the cheaper options for full coverage with good protection.
• Flexible Payment Plans Available: Erie allows you to pay in ways that work best for you, making it easier to fit the cost into your budget without stress.

Cons

• Not Available Everywhere Yet: Erie isn’t available in all states, so some drivers might be unable to use it where they live or work. Dive deeper by clicking our guide, “Erie Insurance Review.”
• Slow Customer Service Response: Some drivers have mentioned that Erie’s customer support can take a little longer than they’d like, especially during peak times.

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#7 – Liberty Mutual: Best for Home-Auto Bundling

Pros

• Save with Bundling: Liberty Mutual gives you great discounts when you bundle your home and auto insurance, which can help Papa John’s drivers save some money.
• Complete Coverage: They offer full coverage for your car and delivery job, protecting you while you’re on the road.
• Convenient App: Their mobile app makes it easy to manage your policy and file claims, which is perfect for busy drivers. For extra info, visit our guide, “Liberty Mutual Insurance Review.”

Cons

• Higher Premiums: Liberty Mutual’s rates can be higher than those of some other companies, so it may not be the most affordable choice for every driver.
• Not Available Everywhere: Liberty Mutual isn’t available in every state, so you’ll need to look for another insurance provider if it’s not offered where you live.

#8 – Mercury: Best for Rideshare Add-Ons

Pros

• Extra Tips for Drivers: Mercury offers special coverage made just for delivery and rideshare drivers. It’s a great choice if you’re delivering for Papa John’s.
• Affordable Rates: With prices starting at $62, Mercury keeps insurance costs low, making it easier on your wallet. Click for further reading in our guide, “Mercury Auto Insurance Review.”
• Customizable Plans: You can adjust your coverage to match what you need, giving you flexibility as a delivery driver.

Cons

• Limited Network of Agents: Mercury may not have as wide a network of agents, which could make it harder to get local support.
• May Require Higher Deductibles: Some drivers report that Mercury’s deductibles can be higher than those of competitors.

#9 – Allstate: Best for Claims Service

Pros

• Quick Help When Needed: Allstate is great at quickly handling claims, which is really important for delivery drivers who need support right after an accident.
• Solid Coverage: Allstate provides both comprehensive and collision coverage, making sure Papa John’s drivers are well-covered and protected while driving.
• Flexible Payment Options: Allstate gives you different ways to pay, making it easier to find a plan that fits your budget.

Cons

• Higher Rates: Allstate can be a bit more expensive, so it might not be the best option if you’re trying to save money. Want more info? See our guide, “Allstate Auto Insurance Review.”
• Fewer Discounts: They do offer some discounts, but not as many as other companies, so you might not save as much.

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#10 – Auto-Owners: Best for Teen Drivers

Pros

• Great Rates for Teens: Auto-Owners offers some of the best prices for young drivers, which is perfect benefit younger Papa John’s delivery drivers.
• Solid Coverage: They provide good coverage for drivers of all ages, so you’re well-protected while on the road delivering pizzas.
• Helpful Customer Service: Auto-Owners is known for its friendly and helpful customer support, which makes getting help with your insurance easy.

Cons

• Limited Availability: Auto-Owners aren’t available in every state, so not all drivers can sign up. For in-depth info, check our guide, “Auto-Owners Auto Insurance Review.”
• Higher Rates for Seniors: Older drivers might find their rates higher than those of older drivers who pay for the same coverage.

Auto Insurance Coverage for Delivery Driver Accidents

If you’re a delivery driver, your regular personal car insurance might not cover you while you’re out on deliveries. That’s because personal insurance is made for regular driving, not for business use. So, if you’re using your car to deliver food, packages, or anything else, you might be left without coverage if something happens.

Papa John's Pizza Delivery Drivers Auto Insurance Monthly Rates by Provider & Coverage Level

You’ll need to add commercial auto insurance to stay protected while making deliveries, but there’s no need to search for a special delivery driver insurance company. In most cases, you can simply add the necessary coverage to your current policy. Just call your insurance agent, explain that you’re using your car for work, and they’ll guide you through the process to find the right solution.

This coverage is crucial to avoid paying for damages or injuries out of pocket in case of an accident while on the job. Delivery driving can be unpredictable, so being prepared with proper insurance is a smart move. Your agent will help you understand your options and make sure you’re fully covered, offering peace of mind as you work.

Read more: Auto Insurance Coverage Options

The Cost of Commercial Auto Insurance

When you add commercial auto insurance, your rates will go up. That’s because commercial insurance usually costs more than regular car insurance. It’s good to know how much extra you might pay, depending on what kind of vehicle you have. The price can be different, whether it’s a small car, a van, or a big truck.

Monthly Commercial Auto Insurance Rates by Vehicle & Coverage Type

Insurance for smaller vehicles, like cars or vans, is generally more affordable as they’re often used for local deliveries or light tasks like running errands. Their lower risk compared to larger vehicles helps keep rates down, though they’re still typically higher than personal auto policies. Shopping around remains key to finding the best deal.

Larger vehicles, such as trucks or fleets, come with higher insurance rates due to their increased risks. These vehicles are frequently used for heavier work or carrying larger loads, which raises the likelihood of accidents or damage. The more your vehicle is on the road and the heavier its loads, the greater the associated risks, leading to higher premiums.

The nature of your business also impacts your insurance costs. Businesses involving long-distance transport or specialized vehicles typically face higher rates due to the added risks. Understanding how your specific business operations affect your insurance can help you make informed decisions and find the best coverage for your needs.

Read more: Commercial Auto Insurance

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The Importance of Auto Liability Insurance for Delivering Papa John’s Pizza

Auto liability insurance is a must-have for delivering pizzas for Papa John’s. Being on the road frequently increases the chances of accidents, and without insurance, you could face hefty costs for damages or injuries. This essential coverage helps protect you from financial strain and is something every delivery driver should prioritize.

If you cause an accident without auto liability insurance, the financial consequences could be severe. This insurance covers costs like property damage, medical bills, and even potential lawsuits. By having coverage, you’re not left shouldering expenses for something unintentional, giving you peace of mind while on the job.

Papa John’s requires drivers to have auto liability insurance to protect both the company and its employees. Without it, you could be personally responsible for damages, jeopardizing your job and financial security. Ensuring you have the right coverage means one less worry as you focus on delivering great service.

Read more: Auto Insurance Coverage: What events are and are not covered by your policy?

The Requirements to be Considered as a Driver for Papa John’s Pizza

You must know a few things to drive for Papa John’s Pizza. First, you must have the right car insurance. Papa John’s wants to ensure you’re covered if something happens while you’re on the job. They’ll check your insurance to make sure it meets their standards before you can drive for them.

Auto Insurance Discounts From the Top Providers for Papa John's Pizza Delivery Drivers

Having a solid record helps show you’re trustworthy behind the wheel.. It can help you stand out and increase your chances of getting the job. That way, you’ll have a better chance of getting the job! It’s always a good idea to monitor your driving record to ensure it stays clean and up-to-date. They’ll also check your driving record to see if you’ve had any major accidents or tickets.

Stress? Gone. Money? Saved. Protect your dreams under our roof by bundling home and auto today! https://t.co/91ZZlwj7F1 pic.twitter.com/ukNSUszqs8

— American Family Insurance (@amfam) October 11, 2023

So, before you apply, it’s smart to make sure your driving history looks good. It can make a big difference when it comes to getting hired.
Papa John’s may also ask you to take a random drug test. This helps them ensure all their drivers are sober and safe while working. It’s just a way to keep everyone on the road protected. You should keep in mind that you should be ready for a possible drug test when applying.

Read more: Delivery.com Auto Insurance: Rates & Requirements

Case Studies: Finding the Best Auto Insurance for Papa John’s Drivers

Here are three stories of Papa John’s delivery drivers who found the right car insurance. Each one picked a plan that worked best for them, giving you a good idea of what options are available for delivery drivers. For added details, see this “Compare Auto Insurance Companies” guide.

Case Study #1: Joe’s Affordable Coverage:

Joe delivered pizzas for Papa John’s and needed insurance covering him while working. He went with Progressive because it gave him solid protection at an affordable price. His plan included liability coverage, car damage protection, and medical coverage for accidents on the job. Now, Joe feels secure and ready to deliver with peace of mind.

Case Study #2: Simon’s Full-Time Coverage:

Simon works full-time delivering pizzas for Papa John’s and spends much time driving. He needed extra protection, so he chose State Farm. They offered a delivery driver endorsement covering his car and any injuries while on the job. Plus, the plan included roadside assistance, which gave Simon extra peace of mind while driving.

Case Study #3: Mike’s Customized Plan:

Mike delivers part-time for Papa John’s and wants more coverage for his car and accidents while working. He chose the American Family because they let him customize his plan. His policy had higher liability limits and full coverage, which made him feel safe, especially on late-night deliveries.

These case studies show how Papa John’s drivers found the right auto insurance to meet their needs. Whether it’s affordable coverage, extra protection, or customizable plans, these drivers choose options that provide peace of mind while delivering.

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What to Remember When Choosing Auto Insurance for Delivery Drivers

Picking the right car insurance is essential for Papa John’s delivery drivers to stay safe and covered. There are many options out there, so finding a plan that works for you—whether you’re driving part-time or full-time—is crucial. Companies like Progressive, State Farm, and American Family offer plans designed for delivery drivers, covering liability, personal injury, and car damage.

When choosing a policy, consider cost, coverage, and how much protection you need. This will help you make a smart choice and give you peace of mind while you’re on the road. No matter which insurance company you pick, the most important thing is making sure your policy covers everything you need for your delivery job. Discover more by clicking our guide, “Best Auto Insurance for Food Delivery Drivers.”

Now that you know what you need to be a Papa John’s pizza delivery driver, it’s time to make sure you have adequate insurance coverage. Use our free comparison tool to see what auto insurance quotes look like in your area.

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